Old Second Bancorp, Inc. (OSBC) Q4 2025 Earnings Call Transcript

Operator

Good morning, everyone, and thank you for joining us today for Old Second Bancorp, Inc.’s Fourth Quarter 2025 Earnings Call.

On the call today are Jim Eccher, the company’s Chairman, President and CEO; Brad Adams, the company’s COO and CFO, Darin Campbell, the company’s Head of National Specialty Lending; and Gary Collins, the Vice Chairman of our Board.

I will start with a reminder that Old Second’s comments today will contain forward-looking statements about the company’s business, strategies and prospects, which are based on management’s existing expectations in the current economic environment. These statements are not a guarantee of future performance and results may differ materially from those projected. Management would ask you to refer to the company’s SEC filings for a full discussion of the company’s risk factors. The company does not undertake any duty to update such forward-looking statements.

On today’s call, we will also be discussing certain non-GAAP financial measures. These non-GAAP measures are described and reconciled to their GAAP counterparts in our earnings release, which is available on our website at oldsecond.com on the home page under the Investor Relations tab.

Now I will turn it over to Jim Eccher.

James Eccher
President, CEO & Chairman of the Board

Good morning, and thank you for joining us, and thanks for your patience as we worked through some